Learn what Medigap Covers

Medigap plans generally help cover your share of costs for services that are covered by Original Medicare (Part A and Part B). The benefits are different in each plan – you can buy the one that meets your needs. Not all plans are offered in every state. What else should I know about companies that sell Medigap policies?

What's Covered?

Medigap policies help cover out-of-pocket costs associated in Original Medicare, like:

  • Copayments
  • Coinsurance
  • Deductibles

Some Medigap policies cover services that Original Medicare doesn't cover, like emergency medical care when you travel outside the U.S. (foreign travel emergency care). What's included in foreign travel emergency care?

What's not covered?

Medigap doesn’t cover everything. Medigap plans generally don’t cover:

  • Long-term care (like non-skilled care you get in a nursing home)
  • Vision or dental care
  • Hearing aids
  • Eyeglasses
  • Private-duty nursing

Note: You can enroll in a separate Medicare drug plan (Part D) if you want prescription drug coverage. Medigap plans sold after 2005 don’t include prescription drug coverage.